Category: SEO

SEO’d Content by Rank Princess.

MoMagic and Spice Digital’s Recent AdGyde Launch- How Will the Venture Work out for the Former?

MoMagic Technologies was recently in the news for its joint venture with Spice Digital to launch AdGyde, an application analytics platform.

In the little over six years of its existence, this company has created a user base of 400 million people for different clients and partners. AdGyde is the most recent in a long line of creative and mobile-technology oriented/implementing projects that it has either funded or helped shape into a deployable product.

What Is AdGyde?

AdGyde offers software development kits for real-time application analytics. In an integration with any Android app. It allows viewing of tracked data, i.e., campaign performance, visual reports, retention reports, usage reports, etc.

MoMagic & AdGyde developers began working on this particular product in 2016. Spice Digital joined the equation for its expertise over handsets and experience with mobile operators.

AdGyde services include post back URL(server to server), cohort analysis, geo-location based performance analysis, revenue analysis, among other features.

What Does This Company Expect to Achieve With AdGyde?

Founder and CEO of MoMagic, Arun Gupta, who was present at the AdGyde launch event, commented on how the application carries a uniqueness to its services.

He believes that AdGyde will help clients improve their product quality, point out user loss, and determine the best possible channel for user acquisition.

Speaking on MoMagic Being India’s Biggest Offline User Acquisition Platform

Addressing the company’s position as one of the leading players in the mobile internet ecosystem in India at present, Gupta also commented on how his organisation is concerned about assisting developers, app marketers, and other businesses related to the industry.

Developing an application that helps in extracting meaningful patterns from any application’s user engagement data is one of the organization’s many current projects.

With his eyes on helping start-ups improve their ROI, gather quality consumer bases, and benefit from revenue acceleration- all through mobile engagement, Gupta plans to continue being supportive towards innovative endeavors in the future.

Consumer Realisation, Application Deployment, Mobile VAS, and More- Other Recent Ventures That MoMagic Took an Interest in

While it started out as a Mobile VAS provider in 2011, MoMagic has built its brand around content delivery in cell phones, application development and deployment on all platforms.

Before AdGyde, MoMagic was in the news for grabbing the title of India’s largest offline user acquisition platform in 2016.

It launched its operation in Bangladesh with the Pickaboo.com launch last year with existing services in different countries(including India, China, Indonesia, Sri Lanka, etc.) At present, the company works with retailers and OEMs. It works through OTA updates for publishing content and advertising.

It recently contributed Rs. Five crores to mChamp and a $1 million to the holistic learning solutions’ company EduAce (both contributions were seed funds directed from Foxconn invested MoMagic to the start-ups.) 

What Is Next for the Multifaceted Organization?

As a user acquisition company, its approaches are well-known for their careful factoring of the customer’s intended audience, resources, and business’s life stage.

In addition to helping other companies locate channels that are most favorable for their growth, MoMagic has also been seen investing in EdTech. It can be expected that the company would grab more projects like EduAce, given the estimated increase in Indian e-learning space by 2019.

Certain strategic partnerships and collaborations with many tech ventures are also possible aspects of its future.

There is no doubt that this organization is a key player in the Indian mobile Internet domain. With investments from Foxconn subsidiary FIH and mobile giant MediaTech and a client base in millions, it is quite reliable an assumption that there is a lot more to be seen of MoMagic in the future.

 Keywords: MoMagic Technologies, MoMagic AdGyde, AdGyde analytic platform application, MoMagic Arun Gupta, user acquisition company MoMagic.

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Cold Brewed Coffee vs. Hot Brewed Coffee – The Chemistry (Rank Princess – SEO)

For coffee lovers, coffee is the most important meal of the day.  They believe that it gives them superpowers. A cup of coffee gives them an unrealistic expectation of an increase in their productivity. Any coffee connoisseur can distinguish between hot brewed coffee and cold coffee. 

Coffee facts

  • There are approximately 250,000 coffee growers in India. Maximum coffee production is in the southern states of India.  
  • Almost 80{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of the country’s coffee production is exported.
  • Over 2.25 billion cups of coffee are consumed in the world every day.
  • An interesting fact is that more than 90{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of coffee productionhappens in developing countries like South America.
  • Most coffee consumption happens mainly in the industrialised economies.

Well, that explains why it’s the favourite beverage of the world!

Hot brew vs. cold brew

The real difference between the two lies in its aroma and flavour.  The former is strong and acidic while the latter is cool and refreshing.  Although they have the same initial ingredients – coffee grounds and water, they differ widely in preparation and taste.

The process

Hot coffee is typically prepared by letting hot water drip over a coffee filter either by using traditional coffee pots or modern coffee making machines. They are caught straight into a cup. It is as simple as that. Hot coffee is relatively quick to make and has a strong aroma.  

Cold brew coffee is made by soaking coffee grounds at room temperature or cold water and then let it sit, for hours or even days. Then they strain the resulting coffee from the mushy solids.

Which one wins?

It is not possible to endorse one type of coffee over the other as it depends on the consumer.  It is ultimately decided by the coffee enthusiast’s palate and the weather on any given day.  

If one wishes for less acidic, subtle taste than traditional coffee, cold coffee is his best bet. If he craves for a strong, aromatic flavour, the hot brew is perfect.

Cold brew has a creamier taste to it.  Its cool refreshing flavour makes it a perfect beverage for a hot sunny day.

Hot brew coffee gives you the energy to pump you up on a lethargic day.     

Cold brew coffee must not be mistaken for iced coffee. Iced coffee is made by brewing hot coffee and immediately adding ice. Cold brew demands more patience than the hot brew during preparation.

Choosing the right cuppa

Cold brew stays fresh for a longer time. Hot coffee usually has to be consumed within a day as otherwise, it becomes stale.

Since cold brewing doesn’t volatilize the solubles, it has a blunt smell compared to hot drip coffee.  For people who wish for an aromatic coffee experience, hot coffee is the better option.  

Cold coffee costs more than its hot counterpart because it takes a longer time to prepare and uses up more coffee grounds.

Now that you know the chemistry of hot and cold brew coffee, you will appreciate it the next time you grab a cup of hot steaming java or deliciously rich and soothing cold coffee.

Whether you are a conservative hot coffee fan or a contemporary cold coffee addict, as long as there is caffeine in your cup, the right chemistry clicks between your soul and your cup of coffee and then everything is just perfect.

LSI words: hot brew coffee, cold brew coffee, caffeine, chemistry, aroma, flavour, coffee grounds

References:

https://en.wikipedia.org/wiki/Economics_of_coffee  

https://en.wikipedia.org/wiki/Coffee_production_in_India 

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Cold Brewed Coffee vs. Hot Brewed Coffee – The Chemistry (Rank Princess – SEO)

Choose from an amazing variety of cold and hot brews! The best coffee blends are achieved keeping coffee chemistry in mind.

Coffee is universally one of the most loved beverages. For most of us, our mornings begin with a cup of steaming hot coffee that stimulates every inch of our being.

No wonder it is loved by all, with over 2.2 billion cups consumed worldwide every day! Around 90{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of the coffee in the world is produced in developing countries. South America, especially Brazil is the leading coffee producer. India follows closely.

One Beverage, Many Renditions: The Pulsating Chemistry Always Works

A variety of caffeine options is served nowadays, keeping your passion for coffee in mind. Coffee blends are customised to satisfy your taste and budget. Cafes have started exploring new renditions of coffee by diversifying their menus.

Freshly-roasted, handpicked, aromatic coffee from Karnataka and Andhra Pradesh, help make some great blends!

Choose From The Best Of Cold And Hot Brews!

You have some amazing choices between two caffeine beverages – cold brewed coffees, and hot brewed coffees.

The two beverages are brewed keeping in mind their distinct taste profiles.

Cold Brews Have Some Great Specialities!

  • Brewed for long hours.
  • Amazing hand-crafted blends.
  • Smooth taste.
  • Less acidic.
  • Refreshing and stimulating!

Try Out The Best Of Hot Brews- Especially The South Indian Filter Coffee!

Although both coffee blends use the same base materials, their tastes differ wildly.

Among the finest hot brewed blends, you must try out the South Indian filter coffee. These are chicory blended. A strong, dense and creamy offering!

Hot brewed coffees have a brilliant aroma as well.

Understanding Why Coffee Brews are so Amazing

When the ingredients of coffee are mixed with water, solubles from them dilute in the liquid. This gives the resulting blend a unique flavour and aroma.

Coffee best dissolves at a temperature between 195 and 205 degrees Fahrenheit. Hence, hot coffee has a stronger flavour than iced coffee. When brewed with hot water, the solubles are quickly extracted from the coffee ingredients. They easily evaporate and release a beautiful aroma.

However, the hot water might cause the coffee compounds to oxidise. This generates a bitter taste. If you are not a fan of a strong taste, iced brews are perfect for you.

Oxidation happens in iced brewed caffeine as well, but very slowly. It does not turn acidic or bitter easily. It tastes more refreshing and stays fresh for a longer time.

The temperature of the cold water is way below the heat required to draw out the aromatic soluble. Thus, cold coffees are less aromatic than conventional hot brews.

The Perfect Brewing Methods Ensure The Best Flavours, Aroma And Charm!

The two key elements determining the charm, flavour, and aroma of coffees- both cold and hot brews are – temperature and time.

Appropriate brewing methods are implemented to bring out the best in cold brews and hot coffees. The chemistry of different brews impacts the taste and feel of the beverage. Keeping this chemistry in mind, coffees are tailor-made to suit customers’ unique tastes.

Fresh Cold Brews Served In Popular Restaurants And Cafes

Some of the best and freshest cold brews are served in cafes and restaurants all over. These iced coffees are available in bottles and on taps.

The best coffee shops seek to provide quality beverages with indigenous ingredients which add soul to your cup. Discover the realm of infinite possibilities that coffee has to offer and nurture the chemistry of love and longing that coffee shares with your soul.

LSI keywords:

Hot brewed coffee, cold brewed coffee, iced coffee, hot coffee, hot brews, cold coffee, caffeine options, coffee blends, caffeine beverages, brewing methods, coffee chemistry

Reference:

https://en.wikipedia.org/wiki/Economics_of_coffee

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Wireframes, Prototypes and Mockups – How Are They Different? (Rank Princess – SEO)

Lots of people use the terms prototype, wireframe, and mockup in lieu of each other but they are all different. They look different and have different purposes. Some projects may require only a wireframe and a mock-up while some others call for a prototype.

Wireframe

A Wireframe displays the basic layout of a web page represented by gray boxes. It shows the main elements of the product and where each item should be placed on a page.

Wireframes are not interactive. They create a simple design for the project team to follow and can be developed and refined quickly.

To the layman, wireframes are like blueprints, or like city maps and guides to find your way around with.

From the perspective of a product designer, a wireframe is a tool for visualization of his idea. He communicates this to his team members to get their instant feedback.

Keywords: Guide, Blueprint, Static, Communication tool

Prototype

An interactive wireframe is a prototype. It is a more detailed and interactive representation of the product.

It simulates a real-time user interface. Clickable prototypes enable users to test their way through all the parts of the UI.

For providing this enriching user experience, prototypes need to closely model the real-time scenario.

This enables extensive user testing and reviewing of different solutions.

 Key-words: Interactive, Dynamic, Clickable

Mockup

  • A Mockup figures somewhere between a wireframe and a prototype.
  • It is static like a wireframe.
  • It is visual like a prototype.
  • It conveys the product without being interactive.

Visual appeal is the most prominent feature of a mockup.  The product identity is conveyed through colors and typography. It aims to portray the look and feel of the final product.

Keywords: pixel perfect, typography, rich visual elements, color, static, non-clickable.

High vs. Low Fidelity

Wireframes, prototypes, and mock-ups can be high or low fidelity based on their usage scenario at a specific stage.

When many pages of a mockup are made to be clickable, it evolves into a high-fidelity prototype.

Similarly, when many pages of a wireframe are made to be clickable, it transforms into a low-fidelity prototype.

Tools

Wireframes can either be drawn by hand or doodled on a whiteboard. Tools like Sketch.app, Adobe Fireworks, OmniGraffle can help in creating wireframes, mockups or prototypes. Some other tools are:

Wireframe.cc – Wireframe.cc offers a simple interface for sketching wireframes that don’t contain the basic toolbars of a drawing app. There is a limited color palette, and UI elements appear only when necessary.

Moqups – This tool takes you through the whole process of sketching the wireframes to building functional prototypes.

UXPin – You can design wireframes at top speed using this tool by dragging and dropping elements. Designs done in Photoshop or Sketch can also be imported into UXP for prototyping.

Mockplus – This is a desktop based tool created by the startup Jongde Software LLC. Its ease of use and clean interface helps to prototype web and mobile applications quickly.

Sketch – Sketch is the most widely used tool for prototyping. It’s made specifically for Mac users to design icons, websites, and images.

Axure RP – Axure RP Pro is a tool used for rapid prototyping and wireframing desktop and web applications. It is mostly for designers who create sophisticated, interactive prototypes.

Comparison

Mock-ups are not as abstract as wireframes and take lesser time to build than prototypes. So they are especially useful in trying to get an early design buy-in from the stakeholders.  

Wireframe focuses on functional features instead of visual elements. Logic and content take priority over a visual appeal. Mostly colors like black, white and gray are used in wireframes.

The decision of wireframing, mockuping or prototyping your website or mobile app depends on the project needs and its end users. If it’s a small project, a wireframe and a low-fidelity prototype will suffice. For a product which is high on visual interaction, a mockup and high-fidelity prototype will be a prerequisite.

LSI Keywords: Wireframe, Prototype, Mockup, Guide, Blue-print, Static, Communication tool, Interactive, Dynamic, Clickable, pixel perfect, typography, rich visual elements, color, static, non-clickable. 

References:

https://brainhub.eu/blog/difference-between-wireframe-mockup-prototype/

https://designmodo.com/wireframing-prototyping-mockuping/

http://www.creativebloq.com/wireframes/top-wireframing-tools-11121302

https://blog.prototypr.io/the-7-best-prototyping-tools-for-ui-and-ux-designers-in-2016-701263ae65e8

https://medium.com/@Mockplus/8-ux-and-ui-wireframe-tools-you-must-try-in-2016-f8fbcccf7f6e

https://ux.stackexchange.com/questions/82997/the-difference-between-mock-up-prototype-and-wireframe

https://speckyboy.com/wireframing-prototyping-mockuping-whats-the-difference/

 

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Cold Brewed Coffee Vs Hot Brewed Coffee – The Chemistry (Rank Princess – SEO)

What could be better than a hot cup of freshly brewed coffee for kick-starting your day? The magical aroma and the taste tickle your senses and give you the energy boost you need to start yet another glorious day.  Most people wake up and look forward to ‘smell the coffee’ and sip it after a restful night’s sleep.

A hot cup of coffee keeps you warm and calms frayed nerves, while a glass of soothing and delicious cold coffee can make a great difference at the end of a hot sultry day.

Next time your boss is on your head or wife is after your life; go for a cuppa coffee – hot or cold! The first thing in the morning that people around the world crave for is coffee; the first thing they ask for in the middle of a hot summer day is a glass of cold coffee brew.

Two Types of Coffee Drinkers

  • Hot coffee drinkers: This is your normal coffee with which you start your day. Most people prefer the regular hot coffee rather than the cold coffee. This is especially true for the first cup in the morning. The warm and nerve – soothing taste cannot be replaced by a cold coffee.
  • Cold Coffee drinkers: A specially blended coffee normally served in cafes, restaurants, clubs houses and other places where you can order a glass-full. It may be served in different forms or with many different add-ons, like ice – creams.

Hot Coffees – Spoilt for Choices

In addition to the regular hot coffee made at homes, coffee comes in a variety of blends and is served in cafes and restaurants and includes:

  • Cappuccino: served as a shot of espresso topped with steam-foamed
  • Cafe Latte: A lighter coffee mixed with a shot of Espresso with milk added.
  • Aztec Coffee: This is a gourmet, international blend that has a double shot of espresso made from a blend of coffee beans and topped with steamed and frothy milk.
  • Regular Filter Coffee: This is the traditional South Indian Coffee that is strong and aromatic. It takes you back to the lush coffee plantations in the coffee growing region of Chikmagalur, Karnataka, India,

 Cold Coffee on a Hot Summer Day

Cold Coffee is brewed with hand-crafted blends and is specially prepared to enhance the tones and flavours. The coffee is brewed for several hours so that it is less acidic and you can enjoy your cup of joy without any side effects. Cold coffee is usually a casual drink for any part of the day. There is a whole range of cold coffee which includes:

  • Cafe Frappe: The original cold coffee which is rich and creamy and has an endearing taste. It is an all-time favourite beverage of all coffee drinkers.
  • Almond Rabri Frappe: This is a concoction of rich rabri with a shot of smooth, whipped cream and topped with roasted almond flakes.
  • Citrus Cold Brew Coffee: Brewed coffee, blended with Mandarin flavour served in sugar – rimmed

The Best Places to Buy Coffee

Experts, who know their coffee, source only the best coffee beans from Coorg and Chikmagalur in Karnataka state. It is also sourced from Araku Valley in Andhra Pradesh. This area is a non-traditional coffee growing region. Here, the local tribals have taken to producing coffee of a premium quality that is free from pesticides, thereby offering pure coffee beans that have a personality of its own.

According to the Coffee Board, the total coffee production across India – for both Arabica and Robusta blends was estimated at 348, 000 for the year 2015 and 2016.

The Cup That Heals

Years of research has revealed that coffee is not only a pick-me-up drink but it has therapeutic values too.

  • Moderate Coffee drinking prevents premature death
  • Coffee drinking reduces mortality
  • It protects against liver cirrhosis
  • Coffee saves you from multiple sclerosis
  • It is believed to protect you from colorectal cancer

Coffee is not only a versatile beverage- it is also a health drink that will add years to your life. So, here’s to Coffee – Cheers!

LSI Keywords: coffee, Citrus Cold Brew Coffee, Almond Rabdi Frappe, Cafe Frappe, Cold Coffee, Cold Brewed Coffee, Regular Filter Coffee, hot coffee, brewed coffee.

http://www.indiacoffee.org/coffee-statistics.html

http://www.medicalnewstoday.com/articles/270202.php

 

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Why Ride Your Motorcycle To Work? (Rank Princess – SEO)

Suggested Title: Make Your Commute Interesting, Ride To Work

The single most amazing thing besides our toys and cool gadgets back in the day used to be our bicycle. Do you remember the first time you took off without the learning wheels? How did it make you feel?

It felt more or less the same when you learnt to ride a motorcycle. But you got done with college, went on from doing a part time job that made you some pocket money to a full-time job that sees you as a professional. The suit and tie mean that you have to ditch your motorbike for something more luxurious, may be a car.

So you take up a loan and buy yourself a fancy pair of wheels. But what happens to your dear baby that now sits at the far end of the garage hoping to be ridden just like the old days?

The obvious answer is to ditch the car, ride the bike. Below are a few reasons why you should do so right away.

1)  It’s Obviously A Lot More Fun

Tell me you believe it isn’t, and I guarantee you that you haven’t experienced riding a bike at all. Motorcycles are the single most legal things on the road you can have a lot of fun with and not be given a ticket for doing so. Ride ’em, pop a wheelie or two when no-one is looking and giggle within the confines of your helmet while doing so.

2) It Saves A Lot Of Gas

It goes without saying, smaller the engine, lesser the mass. So your carbon footprint immediately goes down. You save a lot of money not only on gas bills but also on maintenance and repairs. It basically will help you in your long-term investment goals. To put it into perspective, the average fuel price of petrol in India is up to Rs.72/ litre.

Say you put the same amount of fuel into a Maruti Baleno which is the most widely sold hatchback in India (stats as per April 2017) and into a Hero Splendour which is the highest selling motorcycle/scooter in India (Stats as per May 2017). The average fuel economy stated by the manufacturer is approximately 18-20 km pl for the Maruti Baleno whereas the fuel efficiency for the Hero Splendour is 68-72 km pl as claimed by the company.

Hence it is convenient to say bikes save gas.

3) Motorcycles Are Cool

When was the last time you got a big thumbs up while you were in your Toyota Corolla or your Ford Ecosport? Obviously, your chariot will have people make a perception about you, that you are heavy on your wallet and love big things, but big doesn’t equate to better. It simply means you are taking up more space on the road than the other guy on a Honda CBR 250R standing right next to you at the red light. Anyone on a bike or rather most people on a bike look like objects of desire.

The combination of man and machine in such a tightly knitted package makes jaws drop, and women drool, regardless of the fact that the one riding it must be a complete nerd within the helmet, those few minutes of stardom is worth getting a motorcycle. And all this is even before you fire up that sweet sounding engine of yours.

4)  Motorcycles Are Quick

Splitting lanes, cutting people off, taking the leftmost lanes in the case of traffic and zooming past everyone when the car next to you is going slow, these are the few things that give you superhuman like powers while making your commute and overall experience a lot faster yet so much more fun.

There you go. There are so many reasons for a motorcycle to be your worshipped weapon of choice. So go right ahead and get the bike out of the dark end of your garage and give it a good wash. It needs your love and respect for what it is, and hence even though you are having a blast riding it, it is utmost important to ensure you are wearing a helmet and riding gear.

To look out for more references related to riding to work google motorcycle ride to work 2017, ride your motorcycle to work day and ride your motorcycle to work day 2017. Many countries have a national ride to work day, and they celebrate these days to encourage people to ride their motorcycles in a bid to save the environment and do their bit for the environment.

LSI Keywords: ride your motorcycle to work day 2017, national ride to work day, save the

environment, Motorcycles Are Quick, Saves A Lot Of Gas, ride a motorcycle

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Why Invest in Real Estate in Chennai? (Rank Princess – SEO)

India looks set for a bumper year when it comes to real estate and the economy as a whole. The nation has shot to the top list of best destinations for real-estate investment in the eyes of international investors and has ranked fourth in Asia for FDI inflows as per the United Nation’s world investment report.

Also, thanks to banks reducing interest rates and the RBI offering incentives for infrastructure financing, it has set the stage for a thriving real estate market.

If you are planning to invest in real estate now, the majestic Metropolitan of Chennai is a great option. Here are the reasons why you should invest in real estate in Chennai:

  1. Prominent Investment Hotspot

Chennai is a great commercial and IT hub of India. This has resulted in the growth of employment opportunities and thereby an increase in demand for commercial and residential spaces in Chennai. As per the latest study by Candy GPS Report, Chennai has come out to be among the leading real estate locations in the world.

  1. Infrastructure Projects

The ongoing infrastructure projects including the Chennai Metro Rail, underground drainage systems, mass rapid transit system, suburban railway extensions, bus terminals, outer ring roads and more have given a natural boost to the real estate market. As these projects will impact the citizens and the surrounding property market, it will result in growing demand.

  1. Construction of Expressways

Elevated expressways which are going to be built on the prime route of the Grand Southern Trunk Road aim to decongest traffic issues. There are several other ongoing expressway projects in Chennai that will take connectivity to the next level. This will have a direct impact on the property pockets.

  1. Affordable Investment Options in Real Estate

When compared to other metros of Bangalore, Mumbai or NCR, property rates in Chennai are affordable and reasonably priced. In fact, the Tamil Nadu government has decided to reduce guidance value by 33{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} and as a result buying property in Chennai will become more affordable. Also, the suburban locations of Chennai have witnessed good appreciation in investment by providing affordable and good buying options for home buyers.

  1. Lowered Interest Rates

Banks have cut down the interest rates on housing loans by 0.25{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}, and this is great news for all property buyers. This has fuelled residential demand of Chennai’s real estate by bringing more buyers to the market.

  1. Major IT Hub of India

The general purchasing power is greatly enhanced with substantial incomes paid by IT industries, and this has led to a greater buyer optimism. The emergence of multiple SEZ units in Chennai has driven the real estate market in the surrounding areas to meet up with the increased demand for residential spaces.

  1. Thriving Rental Market

For NRIs or buyers who are not end-users, Chennai has a great rental market that ensures a good rate of rental returns in real estate. For example, IT professionals who are not interested in buying properties because they are unsure about their period of stay opt for rented houses. Renting out houses would provide end users with assured monthly returns and puts the invested property to good use.

All the above reasons make Chennai a highly desirable real estate investment option. So, now is the time to make the right move.

LSI Keywords: real estate in Chennai, Chennai real estate, why you should invest in real estate in Chennai, Real estate investment in Chennai,

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Top 10 Benefits of Ayurveda (Rank Princess – SEO)

Worried about the strong medications that tend to do more harm than good in the long run? Then opt for an Ayurvedic treatment, one of the oldest forms of medicine. This herbal healing method not just cures the disease but also aims to harmonise the body.

It gives complete cure and tones the mind, body and soul to offer total wellness. So next time when you go for treatment, look at the benefits of Ayurveda and the knowledge that it has to provide.

Stress Relief

There are many techniques like Shirodhara which uses a liquid stream poured over the head to offer stress relief. There are also breathing, herbal treatments and exercise. There is known to be a significant decrease in the levels of stress when one opts for an Ayurvedic method of healing.

Dental Care

Ayurveda offers solutions to many tooth problems. It offers herbal solutions for tooth decay, gum diseases and sensitivity. One needs to use Ayurvedic oil and needs to retain it in the mouth for some time. The oil treats the dental problems effectively.

Weight Loss

Ayurveda also promotes weight loss. The patients are treated by helping them follow a healthy diet which makes them lose extra body weight efficiently. A simple Ayurvedic home remedy for weight loss is drinking a glass of lukewarm water with the juice of a lemon squeezed every morning on an empty stomach.

Skin and Blood-Related Diseases

Ayurveda uses the technique of bloodletting which is done using needles or leeches. This is supposed to be the best remedy for diseases related to skin and blood. Ayurveda has proved to help cure scabies, acne, eczema and other skin and blood-related problems. Sugandhadi Lehya is an Ayurvedic medicine that cures scabies, itches and skin infections.

Imbalance In Hormones

Ayurveda helps to balance the hormones naturally, and this offers a healthy menstrual cycle and an easy pregnancy. Essential oils are used to balance the hormones, and it has many therapeutic properties that help cure the ill effects of the imbalance in hormones. Herbal remedies like Maca have adaptogenic properties and help stimulate the functions of the Adrenal glands and are used to treat hormonal imbalance.

Mental Health

Allopathic medicines treat mental health, but there can be many side effects to them. Swedana is an Ayurvedic treatment that can cure mental illness without any side effects. The therapy uses massage and baths to help relax the body and the mind

Cures Inflammation

Poor diet, improper digestion and less sleep can lead to inflammation. Ayurveda helps reduce inflammation by regulating the heart and the digestive tract and helps eliminate waste. The Mahanaranyan oil contains around 54 Ayurvedic herbs and gives comfort from pain and treats inflammation.

Consciousness

Ayurveda is used to improve medical ability and restores the stressed-out nerves and helps purify the mind. Shirodhara is a therapy where a steady stream of medicated oil is made to flow from the forehead. It helps treat psychotic disorders.

Cleanses the Body

Ayurveda cleanses the body internally and improves health. Food and toxins get rid of the body by a process called Panchakarma. Oils and massage let the body function properly and remove toxins as waste from the body

Balance

Ayurveda gives overall balance. It offers individual treatment and helps improve the body both externally as well as internally. It offers spiritual connection, so you have a complete balance of your body.

Ayurveda believes that there are three kinds of life forces; they are Vata dosha, Pitta dosha and Kapha dosha. Every human being has all the three doshas but one more predominant than the other. Each dosha is associated with controlling different body functions.

Ayurveda is not just any other form of medicine, but a total health care system.

LSI Keywords – oldest form of medicine, herbal healing, herbal treatments, Ayurvedic oil, Shirodhara, Swedana, Panchakarma, Vata dosha, Pitta dosha, Kapha dosha

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Six Things to Consider Before You Transfer Your Home Loan

The technical term for a loan transfer is ‘takeover of loan’. You approach a bank. It pays up for whatever remains of your loan amount to your former bank. Then, it issues a loan to you on the same amount, but with new interest rates and tenure.

This transaction lets you choose lower interest rates and pay less EMIs. It brings extra business to the bank. Sounds like a win-win? It is!

However, the rate of interest and monthly installments, as relevant as they are, shouldn’t be the only things you consider before choosing an alternative to transfer home loan balance. Here are six other factors that you must explore and weigh before making a decision.

  1. How Much Would a Loan Balance Transfer Help You with Long-Term Savings?

The whole point of shifting loans is to relieve the pressure of higher EMIs and keep you from overpaying. A cost-benefit analysis becomes necessary here. Whether or not you will benefit from transferring the loan depends on four factors.

  • The outstanding loan balance.
  • The remaining tenure of the current loan and that offered by the new bank.
  • The transfer cost of the new bank.
  • The applicable rate of interest.

Let’s assume that you take a loan for ₹50,00,000 for twenty years at 9.70 percent per annum interest. You still have fifteen years left on the tenure. You pay ₹47,262 as monthly EMI and have an outstanding amount of ₹44,74,000. If a bank offers you 8.65 percent per annum with a cost of ₹13,000 for transfer and a difference of ₹2,813 in the EMI, you will save ₹4,93,000 after repaying the loan with the new bank.

For the same loan, if the remaining amount and tenure are ₹22,39,000 and five years respectively, at 8.96{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} p.a. and new EMI of ₹1,153, you will only save ₹58,340. With the transfer cost of ₹10,840, processing fee, administrative charges, and switch-over free, it may not be a beneficial deal.

For a shorter tenure or small remaining balance, switching banks may not give you any significant profit. Use any bank’s online home loan transfer calculator to find out how much you will be saving.

  1. What Are the Correct Collateral Adjustments?

Having something to put up as collateral is an essential part of housing loan eligibilities. When you switch banks, it is not wise to offer the whole original insurance to the new lender.

Transferring a loan is very much like taking a new loan to pay an old one, albeit with some benefits. However, the amount you owe could get reduced because of the rate of interest. It’s why you should offer a part of the original collateral or some other security which is lesser in value.

  1. How Much Will the Switching Costs Put You Back?

Transferring home loan balance is a time-taking process. The bank may also charge a processing fee or a switch-over fee. Additionally, the legal fee, valuation fee, conversion fees, stamp duty, technical costs, and any tax related to documentation.

  1. Are There Any Allied Account Requirements?

A bank may require you to create a savings account with them if you wish to avail their loan service. During home loan balance transfer, you must inquire any charges and the offered facilities regarding the same.

Also, if all your banking is managed elsewhere, getting a new account and understanding how the new lender bank operates may be a hassle you don’t want to tackle at present.

  1. What Does the Fine Print Say on the Contract?

It is recommended that you go through every term and condition if you want to avoid being trapped in the web of technicality.

If the new lender is offering incredibly low interest, what is in it for them? If it turns out to be a short-term offer for promotions, you will have a hard time proving that the bank conned you. If the lower interests are a part of teaser loans, they will get higher in the later years, knocking off chances of any savings you had planned.

  1. Don’t Hurry

Comparing your existing bank’s offers with any new lenders is also a good way to determine how good a deal you are getting. Since switching banks to transfer home loan balance takes time and clean paperwork, you must compare, read through, analyze, and take your time to come up with a decision.

Keywords: loan transfer, housing loan eligibility, takeover of loan, Loan Balance Transfer, home loan balance transfer, Transferring home loan balance,  switch-over fee, teaser loans, home loan transfer calculator.

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A Detailed Guide on Home Loan Balance Transfer

For a prospective home loan seeker, the interest rate on loan is the biggest matter of concern. The interest rate on home loans varies according to the banks. It is anywhere in between 9.8{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} to 12{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}. A home loan bank transfer helps you shift the existing home loan to another bank that offers a lesser rate on interest.

It is not always the interest rate that dictates a home loan transfer; it could also be due to better services and offers. Such transfers are applicable if the customer has paid the EMI for more than 12 months with the existing bank.

The Prime Features of a Home Loan Bank transfer

  • Hassle free transfer of the outstanding home loan amount from one bank to another
  • The home loan borrower has to pay a fee to the new lender, and it is usually up to 1{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of the loan transferred
  • The transfer of the home loan can be availed only after a given period, the details of which are mentioned in the original loan document
  • After the transfer, the loan borrower owes the new bank or lender the principal loan amount that was transferred plus the charges applicable

The Common Scenarios for a home loan transfer

Apart from the reduction in interest rates, there are other reasons why a borrower would want to change his lender.

  • If the current lender does not agree to negotiations on some of the terms and conditions
  • If the lender is not open to a loan top-up
  • If the borrower is not happy with the services of the current bank

Fee calculation

Loan transfers are beneficial if the borrower is in the early stages of the home loan. For a transfer, the banks charge anywhere from 0.5{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} to 1{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} as the processing fee. Sometimes the fee is a flat amount of Rs. 5,000 to Rs. 10,000.

To calculate the efficiency of a bank transfer, reduce 100 basis points if the tenure left for the loan is less than five years. Likewise, a reduction of 75 basis points should be carried out if the tenure of the loan is five to ten years and 25 to 50 basis points for 15 to 20 years.

The Process

A letter should be submitted to the existing lender asking for a loan transfer. The bank will issue an NOC or a consent letter and a statement of the outstanding amount. Once these documents are provided to the new lender, the loan will get sanctioned, and the account closure with the old bank will be initiated.

Once the transaction is complete, the new lender will get hold of the property documents, and the post-dated cheques will be cancelled.

The prepayment penalty (2 to 5{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of the outstanding loan amount) that was charged by the existing lender is now waived by some banks. This can be negotiated if the bank charges the same.

Points to consider before a loan transfer

  1. Reduced EMI and a longer tenure need not necessarily mean you will be paying a lesser amount. Carefully calculate the total outflow and compare the rates of both the bank before making the decision.
  2. Apart from the processing fee, the borrower will also have to pay valuation fee, stamp duty, legal charges and technical fees as well as other combined charges. Compare these costs and analyse if the reduced interest rate makes a difference.

iii.    The terms and conditions that dictate the loan of both the banks should be investigated. Examine the pros and cons of the terms and conditions before arriving at a decision. Some banks may require the borrower to open a savings account. Such subtle conditions must be analysed

  1. A transfer can be avoided if the interest rate is only marginally better.

Most of the banks in India offer the facility to transfer the existing home loan to another bank. A home loan transfer can help you plan your finances better.

LSI Keywords:

Home loan transfer, the interest rate on loan, transfer of the outstanding home loan, reduction in interest rates, processing fee, prepayment penalty, valuation fee, stamp duty, legal charges, a total outflow of cash, terms and conditions, pros and cons of the terms and conditions.

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